Dream home, lifetime loan
Wall Street Breakfast
Seeking Alpha
3.8 • 950 Ratings
🗓️ 11 November 2025
⏱️ 5 minutes
🧾️ Download transcript
Summary
Episode transcripts seekingalpha.com/wsb.
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Transcript
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| 0:00.0 | Welcome to Seeking Alpha's Wall Street Breakfast, where we cover the top news for investors every morning. |
| 0:07.6 | It's good to have you here on this chilly Tuesday, November 11th. I'm Julie Morgan. |
| 0:13.4 | Owning the dream in the future could take longer. Try about 20 years. Soft bank dumps NVIDIA |
| 0:19.6 | and will anthropic outpace open AI? The Trump administration is |
| 0:24.9 | working on introducing 50-year mortgages to make homeownership more affordable. Federal Housing |
| 0:31.0 | Finance Agency Director Bill Pulte called the proposal a complete game changer, but is it? Yes, a longer-term mortgage could mean |
| 0:39.7 | lower monthly payments. It would also mean higher interest payments and a slower pace for building |
| 0:45.0 | home equity. Joel Burner, senior economist at Realtor.com, broke it down this way. Consider a $400,000 |
| 0:52.2 | home with a 10% down payment and a 6.25% mortgage rate. A 50-year loan would lower |
| 0:58.9 | payments by about $250 a month, but interest payments over the course of the loan would total |
| 1:04.7 | $816,396 compared to $438,156 for a 30-year loan. And after 10 years of homeownership, you'd have a 14% equity |
| 1:17.0 | stake in the home with a 50-year mortgage compared to a 24% stake with a 30-year loan. |
| 1:23.3 | Berner also warned that by subsidizing home demand without increasing home supply, |
| 1:29.0 | 50-year mortgages could drive home prices higher. |
| 1:32.2 | Pulte has faced criticism of the proposal. |
| 1:35.1 | His reply, |
| 1:35.8 | We are laser-focused on ensuring the American dream for young people, |
| 1:40.4 | and that can only happen on the economic level of home buying. |
| 1:43.9 | A 50-year mortgage is simply a potential |
| 1:46.0 | weapon and a wide arsenal of solutions that we are developing right now. Stay tuned. |
| 1:52.7 | NVIDIA is down 1.1% in pre-market action on news that SoftBank has sold its entire stake in the company. |
| 2:00.7 | SoftBank unloaded 32.1 million shares in October for $5.83 billion. |
... |
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